• We strive to provide consistent performance and to maximize risk-adjusted return by investing in large-cap growth stocks at a reasonable price.
• We buy and hold companies we believe possess attractive short and long-term growth potential.
• We seek to invest in established market leaders with a history of integrity.
• We place priority on the efficiency/effectiveness of a company.

Our research process involves both quantitative and qualitative approaches. We begin by reducing the universe of potential investment candidates through quantitative screening. Next, we use an equal balance of quantitative and qualitative analysis to arrive at a focus list of stocks. On the sell side, qualitative analysis is more common for final sell decisions, but quantitative issues are not ignored.

For fixed income investments we supplement individual bond selections with "no-load" bond mutual funds during periods of low interest rates. As interest rates increase we begin to ladder individual bonds and certificates of deposit as we reduce the bond mutual fund holdings. Our fixed income investments include the following: 'A' rated or higher Corporate or Municipal Bonds; Government Notes and Bills; Government Agency Issues; and Certificates of Deposit, which are fully insured.